Approval Workflow - Commercial

Configuring approval workflow is an administrator task, but understanding how it works is useful for all users — especially approvers and initiators.

Here’s how the system evaluates a transaction step by step:

1. At login, permission rules shape the user’s view — menus and accounts they can’t access are automatically hidden.
2. When a transaction is created, the system checks permission rules — does this user have the right to create this transaction?
3. Next, limit rules are checked — does the transaction fall within configured dollar value or count limits?
4. If both checks pass, signature rules are evaluated. If a rule applies, all qualified approvers are notified.
5. Once an approver acts, the system re-evaluates the signature rules to check if the required combination is satisfied.
6. The transaction executes as soon as one signature rule combination is fully met.
7. If no rule is met, the process continues until the initiator cancels it or it expires after 10 days.

Role quick reference:

Administrators — configure access, limits, and signature rules.

Approvers — review, approve, or reject transactions requiring authorization. Initiators — recall, resubmit, or reuse transactions.

Here’s how to assign sign types to your users:

1. Sign types identify approval authority — up to 5 levels, A through E. Type A has the highest authority.
2. Assign A to the highest authority level, B to the next, and so on, matching your organization’s signing structure.
3. Staff with online banking access but no approval authority should always be assigned Sign Type E.
4. If your organization doesn’t need an approval workflow, set all users to Sign Type A.

Tip: A user’s sign type applies across all permission groups — an approver can approve transactions initiated in a different group.